Commercial Credit Manager - DFW, Austin or Houston

Job Description

Job Description

Job Description: Regional Credit Manager

Position Summary

The Regional Credit Manager is responsible for overseeing the credit underwriting process within an assigned region, managing a team of credit analysts, and ensuring the quality, consistency, and timeliness of credit decisions. This role serves as a key control point in the credit lifecycle—reviewing deals both at intake and prior to approval—while managing workflow, team development, and pipeline execution.

Key Responsibilities

• Manage a team of Credit Analysts supporting commercial lending activities
• Oversee the credit pipeline from initial intake through final approval
• Perform preliminary deal review to identify missing information or structural issues
• Conduct final quality control (QC) review before credit packages are submitted for approval
• Assign deals and manage workload distribution across the team
• Ensure credit packages meet internal policy, risk standards, and regulatory requirements
• Partner with senior credit leadership on complex deals and escalations
• Drive turnaround times and maintain efficiency across the underwriting process
• Support implementation and optimization of systems (e.g., nCino)
• Mentor and develop analysts, including preparing them for advancement into senior roles or portfolio management

Team & Reporting Structure

• Reports to: Senior Credit Manager
• Direct reports: Credit Analysts / Senior Credit Analysts
• Works closely with: Credit leadership, lending teams, and approval committees

Qualifications

• 5–10+ years of commercial credit underwriting experience (CRE-heavy preferred)
• Prior leadership experience OR strong desire to grow into a management role
• Deep understanding of:
• Commercial Real Estate (CRE)
• Construction / Development lending
• C&I lending (preferred)
• Strong credit analysis, risk assessment, and structuring skills
• Experience managing pipelines and deadlines in a high-volume environment
• Familiarity with credit systems (nCino preferred)
• Excellent communication and team leadership skills

Preferred Profile

• Senior Credit Analyst or Portfolio Manager ready to step into leadership
• Ability to balance technical credit work + people management
• Comfortable in a fast-paced, growth-oriented bank

Work Environment

• In-office role (flexibility granted case-by-case)
• Team is geographically distributed but highly collaborative